Financial Highlights
 2018 FQ42017 FQ4 2018 FQ3 
Period Ended12/31/201812/31/2017Y-Y Ch (%)9/30/2018 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets68,746,00066,288,0003.7166,731,00012.08
Total Net Loans46,312,00044,306,0004.5345,391,0008.12
Total Deposits54,101,00052,621,0002.8153,785,0002.35
Equity Attributable to Parent Company7,578,0007,679,000 (1.32) 7,553,0001.32
Total Equity7,578,0007,679,000 (1.32) 7,553,0001.32
Profitability (%)   
Net Income ($000) 226,000124,00082.26223,0005.38
Net Income Attributable to Parent ($000) 226,000124,00082.26223,0005.38
ROAA1.350.7560  bp 1.341  bp
Core ROAA1.341.0529  bp 1.35 (1)  bp
ROAE12.056.37568  bp 11.7530  bp
ROATCE14.657.43722  bp 14.3134  bp
Core ROAE11.968.82314  bp 11.8412  bp
Net Interest Margin3.703.4822  bp 3.664  bp
Reported: Net Interest Margin3.673.4522  bp 3.634  bp
Efficiency Ratio58.1961.52 (333)  bp 59.12 (93)  bp
Noninterest Inc / Operating Rev19.3320.91 (158)  bp 19.52 (19)  bp
Balance Sheet Ratios (%)   
Loans / Deposits86.3585.10125  bp 85.17118  bp
Securities / AssetsNA25.04NA  bp 24.07NA  bp
Total Equity / Total Assets11.0211.58 (56)  bp 11.32 (30)  bp
Tangible Equity / Tangible Assets9.6910.21 (52)  bp 9.95 (26)  bp
Tang Common Equity / Tang Assets8.859.34 (49)  bp 9.09 (24)  bp
Asset Quality (%)   
NPAs / Assets0.540.84 (30)  bp 0.61 (7)  bp
NPA Excl Restructured / Assets0.370.63 (26)  bp 0.44 (7)  bp
NPAs & 90+ PD / Assets0.550.87 (32)  bp 0.63 (8)  bp
NPAs / Loans & REO0.791.24 (45)  bp 0.89 (10)  bp
Nonaccrual & 90+ & OREO / Assets0.390.66 (27)  bp 0.46 (7)  bp
NPAs & 90+ PD / Loans & REO0.811.29 (48)  bp 0.91 (10)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR5.828.75 (293)  bp 6.48 (66)  bp
NCOs / Avg Loans(0.07)0.11 (18)  bp (0.01) (6)  bp
Loan Loss Reserves / Gross Loans1.061.16 (10)  bp 1.051  bp
Reserves / NPAs134.5193.054,146  bp 118.221,629  bp
Loan Loss Provision / NCONM(91.67)NMNMNM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 6,245,2686,239,3390.106,331,265 (5.43)
Tier 1 Capital ($000) 6,811,1196,805,1900.096,897,116 (4.99)
Tier 2 Capital ($000) 638,776822,638 (22.35) 784,865 (74.45)
Total Capital ($000) 7,449,8957,627,828 (2.33) 7,681,981 (12.08)
Total Risk-weighted Assets ($000) 53,591,16051,455,8644.1552,492,8898.37
Tier 1 Common Capital (CET1) Ratio (%) 11.6512.12 (47)  bp 12.06 (41)  bp
Tier 1 Ratio (%) 12.7113.22 (51)  bp 13.14 (43)  bp
Total Capital Ratio (%) 13.9014.82 (92)  bp 14.63 (73)  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 10.2710.51 (24)  bp 10.51 (24)  bp
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 187,554,000197,532,000 (5.05) 192,169,000 (9.61)
Avg Diluted Shares (actual) 199,048,000209,681,000 (5.07) 205,765,000 (13.06)
Basic Book Value per Share37.3936.013.8336.3611.33
Book Value per Share, As Reported37.3936.013.8336.3611.33
Basic Tangible Book Value per Share31.9730.873.5631.0811.45
Tangible Book Value per Share, As Reported31.9730.873.5631.0811.45
Common Dividends Declared per Share0.300.1687.500.300
EPS after Extra1.080.541001.0415.38
EPS after Extra Growth (%) 100.00(10.0)11,000  bp 44.405,556  bp
Core EPS1.070.7640.791.057.62
Core EPS Growth (%) 40.8021.501,926  bp 43.70 (290)  bp
Diluted EPS before Amortization1.080.541001.0415.38
Pre-Provision Earnings per Share1.120.7255.561.0430.77
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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